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APIs · head to head

Hoppscotch vs Increase

Hoppscotch logo

Hoppscotch

APIs

Open-source API development ecosystem with web-based REST client

From
Free
Rated
-
Full reviewWebsite
Increase logo

Increase

APIs

Direct banking API for ACH, wires, real-time payments, accounts and cards

From
On request
Rated
-
Full reviewWebsite

The short version

  • Only Hoppscotch has a free tier, so it costs nothing to try first.
  • Each has a real cost: Hoppscotch open-source project with no published commercial support plans or pricing; Increase the published per transaction rates exclude a monthly platform fee that Increase states varies by use case, so the transparent price page cannot produce a total cost and the material part of the deal is still negotiated privately.
  • They diverge on capability: Hoppscotch covers REST Client, Increase covers ACH origination and receipt.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which Hoppscotch and Increase actually diverge.

Attributes where Hoppscotch and Increase differ
AttributeHoppscotchIncrease
Starting priceFreeOn request
Pricing modelfreemiumquote
Free tierYesNo
PlatformsWeb, Desktop, Self-hostedAPI, Web
Founded2019Unknown

Identical on both: user rating (Not yet rated), category (APIs).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Hoppscotch

  • REST Client
  • WebSocket
  • gRPC Client
  • GitHub
  • Documentation tools
  • CI/CD
  • Web support
  • Desktop support

Only in Increase

  • ACH origination and receipt
  • Domestic wires
  • Real-time payments
  • Bank accounts
  • Cards
  • Cheques
  • Sandbox and simulations
  • Audit and reconciliation data

What people use each for

The jobs each tool is most often brought in to do.

Hoppscotch

  • API Developmentnot Increase
  • API Gatewaynot Increase
  • API Testingnot Increase
  • API Documentationnot Increase
  • Microservicesnot Increase

Increase

  • A payroll or treasury product that needs to originate same-day ACH and wires under its own control rather than through a payment processornot Hoppscotch
  • A marketplace that must hold seller balances in ledgered accounts with real account and routing numbersnot Hoppscotch
  • A fintech that wants FedNow and RTP payouts so recipients are paid outside banking hoursnot Hoppscotch
  • An engineering team that needs the underlying return codes and settlement timing visible in order to build correct reconciliation and retry logicnot Hoppscotch

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Hoppscotch

  • Open-source project with no published commercial support plans or pricing
  • No official enterprise tier or SLA information disclosed

Increase

  • The published per transaction rates exclude a monthly platform fee that Increase states varies by use case, so the transparent price page cannot produce a total cost and the material part of the deal is still negotiated privately.
  • Free allowances are deliberately small at ten account numbers and five physical cards, so any programme issuing accounts or cards at volume moves to quoted pricing almost immediately.
  • Banking is provided through partner banks, so programme approval, compliance obligations and the ability to launch at all depend on a bank relationship you do not control, and post-Synapse bank risk appetite has tightened considerably.
  • The API deliberately exposes payment rail mechanics rather than smoothing them, which is correct engineering but means a team without payments expertise will build reconciliation and return handling wrongly and only discover it when funds go astray.
  • Coverage is United States only, so a company with international payout needs runs a second provider and reconciles two ledgers, and the single API argument disappears at the first cross border customer.

Pricing, plan by plan

Hoppscotch

Free
  • Open SourceFree
    • Full REST client
    • WebSocket support
    • Community
  • Teams$8/monthly
    • Team collaboration
    • Cloud sync
    • Priority support

Increase

On request
  • Increase Platform$undefined/month
    • Monthly fee quoted by use case and not published
    • Next-day ACH origination listed at 0.50 US dollars per transaction
    • Same-day ACH origination listed at 2.00 per transaction

Which should you pick?

Choose Hoppscotch if

  • You need rest client.
  • You want to start without paying.
  • You work on Web, Desktop, Self-hosted.
  • You also want websocket.
Hoppscotch review

Choose Increase if

  • You need ach origination and receipt.
  • You work on API, Web.
  • You also want domestic wires.
Increase review

Questions people ask

Is Hoppscotch or Increase better?
Neither clearly leads. Hoppscotch starts at Free and Increase at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Hoppscotch or Increase?
Hoppscotch has a free tier; the other does not. Paid plans start at Free for Hoppscotch and On request for Increase.
Does Hoppscotch or Increase run on more platforms?
Hoppscotch runs on Web, Desktop, Self-hosted. Increase runs on API, Web.
Can I use Hoppscotch for free?
Yes. Hoppscotch has a free tier, so you can try it without paying. Increase starts at On request.
What is Hoppscotch best used for?
Hoppscotch is most often used for api development, api gateway, api testing, api documentation. Of those, api development and api gateway are not what Increase is typically brought in for.
What can Hoppscotch do that Increase cannot?
Hoppscotch covers REST Client, WebSocket, gRPC Client, GitHub. Increase covers ACH origination and receipt, Domestic wires, Real-time payments, Bank accounts.

Answered from the vendors’ own pages

Hoppscotch: Is Hoppscotch free to use for API development?

Yes, Hoppscotch is a completely free, open-source API development ecosystem. There are no subscription fees, license costs, or registration requirements to access the core platform.

Source
Increase: Does Increase publish its pricing?

Partly. Per transaction fees for ACH, wires, RTP, FedNow and cards are listed publicly. The monthly platform fee is not, and it is described only as varying by use case.

Hoppscotch: Can I deploy Hoppscotch on my own infrastructure?

As an open-source project, Hoppscotch can be self-hosted and deployed on your own infrastructure. The source code is available for customization and deployment in private environments.

Source
Increase: Who holds the deposits?

Partner banks, not Increase itself. That relationship determines your programme approval, your compliance obligations and your risk if the bank changes appetite.

Increase: Is it international?

No. Increase covers United States rails only, so cross border payouts require a second provider.

Increase: How is it different from a middleware BaaS platform?

It exposes the rails rather than abstracting them, showing real return codes and settlement timing. That suits teams who understand payments and punishes teams who do not.

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